Service One Credit Union Bowling Green KY | Affordable Vehicle Loans & Top Checking Accounts

Introduction

Welcome to Service One, your trusted financial partner right here in Bowling Green, KY! Established in 1963, we have built a strong community presence and a commitment to our members that goes beyond just banking. Our branch, located at 103 State St, Bowling Green, KY 42101, is more than just a place for transactions; it's where relationships grow and dreams are nurtured. With a thriving membership base of 17,166 individuals, we pride ourselves on our ability to serve the needs of our community. Our total assets stand at an impressive $276,712,172, reflecting our dedication to providing secure and reliable financial solutions. Whether you're looking for personal banking options like checking and savings accounts, or need assistance with auto loans and mortgages, we've got you covered. At Service One, we understand that every financial journey is unique. That's why we offer a range of services tailored to meet your specific needs. With total deposits of $15,831,817 and total loans reaching 17,293, we ensure that your money is not only safe but also working hard for you. Plus, with our net worth of $23,423,233 and cash in hand totaling $2,770,487, you can trust us to be a stable partner in your financial endeavors. Led by our dedicated CEO Rebecca Stone and Board President J. Pat Stewart, our team of 67 employees is here to assist you every step of the way. We take pride in being part of this vibrant community and are constantly looking for ways to enhance our services while making a positive impact. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 51770, Bowling Green, KY 42102-6770. Ready to take the next step in your financial journey? Contact us today at (270) 796-8500 or visit our website at www.socu.com to learn more about how we can help you achieve your goals!

Branch History & Mission

Join Us

We invite you to experience the benefits of being a member at Service One. With a solid foundation built on years of dedicated service and an eye toward future innovation, we're here for you every step of the way. Discover how we can help you achieve your financial goals today! Visit us or call us at (270) 796-8500 for more information about membership opportunities and services available at your local branch.

Our Journey

Our journey began with a simple mission: to provide accessible financial services to our community. Over the years, we have expanded our offerings significantly. From personal banking options like checking and savings accounts to auto loans and mortgages, we strive to meet the diverse needs of our members. Today, we proudly manage total assets of approximately $276 million, reflecting our growth and the trust placed in us by our members. Throughout our history, we've embraced technology while maintaining a personal touch. We offer modern conveniences like online banking and mobile applications alongside traditional services. Our commitment to ADA compliance ensures that all members can access our facilities and services without barriers.

Our Mission

At Service One, our mission is not just about providing financial products; it's about empowering individuals and families in our community. We believe in building strong relationships based on trust and transparency. Our dedicated team is here to assist you with personalized solutions that fit your unique financial situation. We are also deeply invested in community outreach initiatives. Whether it's through partnerships with local organizations or hosting events that support financial literacy, we aim to make a positive impact beyond banking. While members can visit us at 103 State St Bowling Green Ky 42101, official correspondence should be sent to PO Box 51770, Bowling Green, KY 42102-6770. With convenient operating hours from Monday to Friday, 8 AM to 5 PM, as well as ATM availability and drive-thru services, accessing your funds has never been easier.

Branch Location & Accessibility

Come Visit Us!

We invite you to come visit us at Service One today! If you have questions or want more information about our services, don't hesitate to give us a call at 270-796-8500. We look forward to helping you achieve your financial goals!

Convenient Access and Features

We pride ourselves on making banking easy and welcoming. Our branch features ample parking and is fully accessible for all members, including those who may require ADA-compliant facilities. You can feel confident knowing that we are here to serve you. Our operating hours are designed with your busy schedule in mind join us Monday through Friday from 8 AM to 5 PM. Whether you're looking to open an account or discuss loan options, our dedicated team is ready to assist you.

Services Designed for You

At Service One, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here for every step of your financial journey. If you prefer a quick transaction, take advantage of our drive-thru service for deposits and withdrawals. Additionally, we have an ATM available for your convenience perfect for quick cash access or balance checks whenever you need it.

Member Eligibility

At Service One, we believe that everyone deserves the chance to be part of a caring community. Becoming a member is straightforward and welcoming. If you live, work, or worship in the Bowling Green area, you're likely eligible to join us! We also open our doors to family members of existing members, making it easy for you to share the benefits with loved ones. Once you're a member, you'll enjoy perks like personalized banking services and competitive rates on loans, helping you achieve your financial goals. To learn more about the specific eligibility criteria, feel free to visit our detailed page at http://www.socu.com/start-your-membership . When you're ready to take the next step and open an account, simply check out this link: https://www.socu.com/auto-loans . If you have any questions or need assistance, don't hesitate to give us a call at (270) 796-8500. We can't wait for you to join our Service One family at 103 State St Bowling Green Ky 42101!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

In addition to loans, our merchant services simplify payment processing for your business. Imagine having a seamless way to accept payments from customers, whether they prefer credit cards or digital wallets. This not only enhances customer satisfaction but also boosts your sales potential. Our team at Service One, located at 103 State St Bowling Green Ky 42101, is ready to assist you with the tools you need to thrive in today's competitive market. For more information about how we can help your business grow, call us at (270) 796-8500 or visit us during our lobby hours from 8 AM to 5 PM, Monday through Friday. Let's take your business to the next level together!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $139 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,529,332, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need quick cash? We provide easy access through our ATM services for withdrawals and balance checks. For more complex transactions, our drive-thru service allows you to conduct deposits and withdrawals without leaving your car.

Business Banking Services

For entrepreneurs and small business owners, Service One offers comprehensive business banking services. From merchant services that facilitate transactions to business loans tailored for growth opportunities, we're committed to supporting local businesses.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we've invested in robust online and mobile banking platforms. With these tools at your fingertips, managing your accounts has never been easier. You can check balances, transfer funds, and even pay bills from anywhere perfect for busy lifestyles.

Credit Cards & Rewards

Don't forget about our credit cards with rewards! These cards not only help you make purchases but also offer benefits that can turn everyday spending into exciting rewards. Whether it's cashback or travel points, you'll enjoy making every dollar count.

Get Started Today!

We invite you to explore all that Service One has to offer. If you have questions or need assistance choosing the right service for your needs, don't hesitate to reach out! Give us a call at (270) 796-8500, visit us online at Bypass Office, or stop by our branch during operating hours from Monday to Friday between 8 AM and 5 PM. Your financial journey starts here let us guide you every step of the way!

Personal Banking Solutions

Starting with personal banking, we offer various checking and savings accounts designed for convenience and growth. Our accounts come with features that simplify managing your money, allowing you to focus on what matters most. If you're in need of a vehicle, our auto loans and vehicle financing options are here to help you drive away in style without breaking the bank. For those considering homeownership, we provide competitive mortgage loans and refinancing solutions that can fit any budget. Plus, if you're looking to consolidate debt or cover unexpected expenses, our personal loans can provide the support you need.

Digital & Online Banking

Key Services Available

Our online banking platform at https://www.socu.com/ provides you with 24/7 access to your accounts. You can check balances, transfer funds, and pay bills all with just a few clicks. No more waiting in line; everything is right at your fingertips. For those who value quick transactions, our person-to-person transfer feature allows you to send money to friends and family in seconds. Whether you're settling up for dinner or splitting a gift, it's fast and hassle-free. If you prefer mobile banking, you'll love our user-friendly mobile application available for download. With it, you can manage your accounts wherever life takes you. Need to sign a document? Our electronic signature authorization makes it simple to complete transactions without the need for paper forms.

Security and Accessibility

We prioritize your security with every transaction you make online. Rest assured knowing that all features are designed with state-of-the-art security measures to keep your information safe. Additionally, e-statements are available for members who wish to go paperless an eco-friendly option that also helps keep your financial documents organized. You can easily access past statements whenever you need them. At Service One, we aim to provide accessible and easy-to-use banking solutions tailored for you. Join us today at https://www.socu.com/ and experience the ease of digital banking!

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts: 31,327, showing a strong and growing member base that trusts us with their finances. This trust is vital as it allows us to foster a community where everyone can thrive financially. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Service One is your trusted partner. Visit us at 103 State St Bowling Green Ky 42101 or call (270) 796-8500 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $22,245,342 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors, with $2,757 in used auto loans and $222,279,456 in total loans and leases.

Member-Centric Savings Options

Members' savings are secured through $65,168,059 in share certificates and $8,025,072 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $23,296,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by our $433,223, which enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 53 full-time employees and 14 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $23,423,233, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $845 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $36,229,835 in used vehicle loans and $7,011,585 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have options tailored just for you.

Business Loans

For business owners, our outstanding commercial loans totaling $1,529,332 provide the capital needed to grow and expand. We understand the challenges faced by small businesses and are here to help you succeed with tailored financing solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $21,589,569, make buying or refinancing simple. We work closely with our members to guide them through the process, ensuring that they find the right mortgage solution that fits their budget and lifestyle.

Refinancing Options

If you're considering refinancing any of your existing loans, we encourage you to reach out to us. Our team can discuss eligibility options and help you navigate through refinancing processes that could potentially lower your monthly payments or save you money on interest. For more information about our loan offerings or to start your membership journey with us, feel free to contact us at (270) 796-8500 or visit us at our branch located at 103 State St Bowling Green Ky 42101. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Service One, we are dedicated to helping you achieve your financial goals with ease and confidence!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,876,072 in loans helping members manage their finances effectively. These cards provide a convenient way to cover unexpected expenses while building your credit history.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to regulatory compliance ensures that the offers presented are fair and transparent. By pulling data straight from credible sources, LendMesh guarantees users receive accurate and relevant information when comparing loans.

SERVICE ONE CREDIT UNION